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Anu Krishna  |882 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
GH Question by GH on Apr 21, 2022Hindi
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Relationship

I married a man after he cheated multiple times. I knew marriage wouldn’t fix our relationship but I hoped that if we transitioned into marital roles we could bring peace to each other.
We have only been married a few months but have argued about money and have trust issues.
I have even sought info on divorce.
Before we married I worked 3 jobs and paid all the bills. I was unable to fulfil my goal of going back to school because we couldn’t afford it.
Now he’s working full time but doesn’t want to pay his share of the bills. He says his money is here for when all my money is spent.
We rarely go out. I work from home now and care for my children and his son.
I want his loyalty. I want him to be a co-provider for our household. I want us to communicate better.

When I get upset and try to talk, he tries to leave and becomes so defensive and disrespectful to me. He won’t tell me his plans all the time and gets upset when I ask. I just want a husband who loves me and wants to be loved by me.
I have never not once gone out with my own friends. I have never gotten my hair done. I rarely do things for myself.
I hate myself for doing this to myself. Help.

Ans:

Dear GH,

So, there’s someone in your home who lives for free and also wants to go out and seek pleasure and who will not even address the issue at hand.

Why exactly are you with him? He’s in it for the money that you bring in and someone to take care of him and his children and also who overlooks his infidelity.

He certainly has hit the jackpot with you. Now, why exactly do you want to still be with him?

If you feel that he will be willing to be counselled, kindly take him to an expert who can work with him and help you both put your marriage on track, else I am sure you know what situation you are in currently and how this has begun to affect the children as well.

Self-care is something that we don’t pay attention to and slowly it starts to eat away our peace of mind.

Do the right thing for you and for the children as well. Plan now for a future without him and see how prepared you are and whether it is something that you can manage. If not, you will have to accept him for who he is and move along life.

Simply do the right thing. All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |882 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 25, 2022

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Relationship
Hi, me and my husband are married for 12 years now, we have a daughter. Both of us are totally different, like north and south pole. He is very extrovert, tries to be the centre of attention, always needs his social circle, his work, friends circle is all that matters to him. I am a total introvert. I don't care about having friends, I hate parties, all that matters to me is my family. First few years, he made me feel that I am a misfit in this world and I had a huge pressure to be an extrovert like him. He was always like how can this famous Mr Extrovert can have such an introvert wife, that's so shameful. I tried changing myself because I was so desperate for his love and respect. All that mattered to him was my looks, how I conducted myself in front of people and after pregnancy, all that bothered him was my weight gain. I started hating myself, believed that maybe I just don't deserve to be loved. I went into depression after pregnancy. I had to leave my job to take care of my baby, his mom who was bed ridden by then, his dad who had serious health issues. I told him, thought he would at least care then. It took him 3 years after that to even come with me to a psychiatrist. He never cared. I always thought it’s my fault, tried to patch things up but now I am tired, really tired. I feel suffocated. I am afraid of separating from him. As a person, he is good but we are totally misfit for each other. I still cannot come to terms with all the emotional abuse I went through. He didn't intend to harm me, he thought he is only helping me to improve and be better but now, I don't know what to do, I am not happy.
Ans:

Dear SN, It’s a wonder why anyone would go to such lengths to change themselves for another; especially their personalities: what makes them who they are! All in the name of saving relationships and love.

True love within a relationship doesn’t demand that the other person change themselves upside down, but it embraces who the other person is unconditionally.

And what makes you think that an extroverted person has the right to change an introverted person?

Did you try and change him to be like you? No! Then why is the reverse even being given so much importance. Also, your husband does not any right to mock you!

His world is different from yours as much as your world is different from yours. And kindly remember: Extroverts (if you want to label them), ate people who are happy with a lot of company around them, are vocal about liking being in a crowd and having a good time spending time with people.

They are not ones who poke fun at the way their spouses look, try and change them to suit their personalities.

So, who you are living with right now is a man with very poor self-esteem and huge insecurities and is blaming you for these and trying to change you will make him feel better.

Do not feed into this game; as once you begin to show that you will yield to his demands, that’s all you are going to do for life. He has to change from within!

He has to understand that what is going on within him is the cause of his misery and not you. But of course, doing something for a spouse even when you don’t like it has to be out of your own will and not forced. Now you take a call as to how you are going to deal with this in your marriage.

READ WHAT YOU HAVE WRITTEN: He didn't intend to harm me, he thought he is only helping me to improve and be better!

Do you really need help or does he? You have started to actually believe that you are at fault and that it is your problem.

Bottom line: You change only if you wish to and that too with things that don’t challenge your value systems. Never be forced into anything; period!

Either sit him down and assert this point or ask him to visit a professional to take care of his state of mind.

All the best!

..Read more

Anu

Anu Krishna  |882 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 08, 2022

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Relationship
Hi Anu, I am 36 year old woman. I am married for 9 years with two kids. My marriage was never a happy one. We had lots of arguments and fights even before marriage. I broke my engagement but later he convinced me that he will always keep me happy but it turned out to be an abusive marriage. He started beating me every now and then after my son was born. I also filed police complaint thrice. After which he improved a lot may be because of fear and shame. Meanwhile I also cracked government exam and got a very good job. Things were okay but after my daughter's birth last year his behaviour changed. He is not interested in physical relationship any more. He says that after our daughter's birth he's started to respect women. I tried to talk to him many times but all in vain. I don't know what to do now. I don't want to leave him for the sake of children.Now I want to live my life happily with my children and let him do whatever he wants. I don't know if I am right or wrong.He takes money from me whenever required but never spends money on my personal needs. Sometimes I feel he is with me only for money and doesn't love me. I am confused. Help.PS: He is taking good care of children and household.
Ans:

Dear SS,

It is hard to walk out of an abusive relationship and when children are involved, you want to stretch it on longer.

But have you considered how this has already affected their minds?

Children from violent and abusive backgrounds do not grow up steady and face a lot of challenges later in life.

Now, coming back to you…Hasn’t it hurt your ego and pulled down your self-esteem? I am sure it already has hurt you beyond and more.

Usually, I never ever tell people what to do, but make my suggestions and share perspectives so that the mind has clarity to decide what’s best for them in their context.

But here, I am telling you this and listen hard…Physical abuse is a NO NO.

If what you say that his behaviour has changed, then I believe that he isn’t physically abusive anymore.

I do understand you are giving him the long rope for the sake of the children, but when the parents are unhappy, what environment will the children grow in?

Ask your family to step in as you are going to need their care and support hereon.

Take one day at a time and evaluate on a daily basis what his presence in your life is doing to you.

Is it draining you and keeping you on the edge or is it getting better with him improving?

This will clearly indicate what you need to be doing as the next step.

Just remember to value yourself every moment and make yourself your own priority first.

All the best!

..Read more

Anu

Anu Krishna  |882 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    ..Read more

    Anu

    Anu Krishna  |882 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)

    ..Read more

    Kanchan

    Kanchan Rai  |192 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Mar 20, 2024

    Asked by Anonymous - Feb 19, 2024Hindi
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    Relationship
    Hello, I am 35 years old. Married. Not living with husband since an year, as he flirted with an office girl (this is the extent of it that I caught) and has tendency to do so. He is not emotionally aware (of himself or me) and I keep getting hurt as I am quite emotional. Also, I am not on talking terms with his parents as they had tried to sabotage our marriage in different ways on countless occasions. My husband wont agree (not that I want him to agree), but I think that's one reason of our increasing differences. I love him, but cannot find in my heart to move back with him ever again. We have a 5 year old kid, due to whom I am unable to move ahead with divorce. I am stuck in the midst, not knowing where to go next or stay in this same 'married but separated ' position forever. I'm definitely happier without the everyday petty bickering that we had when we lived together (which was turning me into a bitter and angry person, I don't want to be that). I have turned extremely distrustful of him. I do feel very lonely at times. We also went to a guidance counsellor to make the relation work some 1.5 years back, but my husband felt its a waste of money after 5 sessions, also he never invested in the emotional sorting that the counsellor mentioned our relation required. Any guidance?
    Ans: It sounds like you're facing a complex and challenging situation. Here are some steps you might consider as you navigate your next steps:

    Take care of yourself first and foremost. This means prioritizing your mental and emotional well-being. Consider seeking support from a therapist or counselor who can help you process your feelings, develop coping strategies, and explore your options moving forward.
    Take some time to reflect on what you want for yourself and your child in the long term. Consider what kind of environment you want to create for your child, as well as what you need in terms of emotional fulfillment and stability.
    If you feel comfortable, consider having an open and honest conversation with your husband about your concerns and feelings. Express how his actions have affected you and what you need from him moving forward. However, be prepared for the possibility that he may not be receptive or willing to change.
    Consult with a family law attorney to understand your rights and options regarding divorce, custody, and child support. They can provide guidance tailored to your specific situation and help you navigate the legal process.
    Regardless of whether you choose to stay married or pursue divorce, prioritize effective co-parenting for the well-being of your child. This may involve setting clear boundaries, communicating openly about parenting decisions, and prioritizing your child's needs above any personal conflicts.
    Consider exploring alternative living arrangements or custody agreements that may better suit your needs and preferences. This could include living separately while co-parenting, or exploring shared custody arrangements that provide stability for your child while allowing you to maintain some distance from your husband.
    Reach out to friends, family members, or support groups for additional support and guidance. It can be helpful to connect with others who have gone through similar experiences and can offer empathy, advice, and solidarity.
    Ultimately, the decision of whether to stay married or pursue divorce is a deeply personal one that only you can make. Take your time, trust your instincts, and prioritize your own well-being and that of your child as you navigate this challenging process.

    ..Read more

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    Ramalingam

    Ramalingam Kalirajan  |2756 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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    My father is a 65 years old retired person who used to trade in market with the help of a broker and invest in MFs also. But he was forced to quit investing and withdraw all money to meet some tough and critical family concerns. Now he has around 2.75 lakhs to invest for creating as much money as possible. My question of behalf of him is - are an aggressive hybrid funds, an LC-MC funds and a high risk flexi cap fund having high beta and sharpe good to go for his purpose?
    Ans: Your father's journey through the ups and downs of financial markets reflects a wealth of experience and resilience. It's understandable that he seeks to rebuild his investment portfolio after facing tough family challenges. Let's explore a strategic approach to maximize returns while managing risk effectively.

    Understanding the Investment Landscape
    Before delving into specific investment options, it's essential to assess your father's risk tolerance, investment goals, and time horizon. At 65, preserving capital and generating a steady stream of income are likely top priorities.

    Evaluating Investment Options
    Aggressive hybrid funds, large & mid-cap funds, and high-risk flexi-cap funds can offer opportunities for capital appreciation, albeit with varying levels of risk. Let's assess each option in detail to determine suitability for your father's investment objectives.

    Aggressive Hybrid Funds
    Aggressive hybrid funds combine the growth potential of equities with the stability of debt instruments, making them suitable for investors seeking a balanced approach. These funds typically maintain a higher allocation to equities, providing exposure to growth opportunities while mitigating downside risk.

    Large & Mid-Cap Funds
    Large & mid-cap funds invest in a mix of large-cap and mid-cap stocks, offering diversification across market segments. While these funds may exhibit higher volatility compared to large-cap funds, they also have the potential to deliver superior returns over the long term, driven by the growth potential of mid-cap companies.

    High-Risk Flexi-Cap Funds
    High-risk flexi-cap funds, characterized by their dynamic asset allocation approach, invest across market capitalizations based on market conditions and fund manager discretion. These funds offer flexibility to capitalize on emerging opportunities, but they also entail higher volatility and risk, suitable for investors with a higher risk appetite.

    Emphasizing Risk Management
    While pursuing higher returns is important, it's equally crucial to prioritize risk management, especially for retired investors. Diversifying across asset classes, maintaining a balanced portfolio, and regularly reviewing investments can help mitigate downside risk and preserve capital.

    Conclusion
    In conclusion, selecting suitable investment options for your father's portfolio requires a balanced approach that considers both growth potential and risk management. By carefully evaluating aggressive hybrid funds, large & mid-cap funds, and high-risk flexi-cap funds, we can construct a diversified portfolio aligned with his investment goals and risk tolerance.

    Best Regards,

    K. Ramalingam, MBA, CFP,

    Chief Financial Planner,

    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2756 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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    Money
    Hi Sir, My age is 26 I am planning to invest in SIP and expecting 5 CR returns at the age of 55. Currently my salary is Rs40000/month. So, how and where should I invest
    Ans: It's inspiring to see your proactive approach to financial planning at such a young age. Investing in SIPs is a smart step towards achieving your long-term financial goals. Let's delve into a strategic plan to reach your target of ?5 crore by age 55.

    Understanding the 151530 Rule
    The 151530 rule serves as a guideline for SIP investors, emphasizing the power of compounding and consistent investing over time. By investing ?15,000 per month starting at age 30 for 30 years, you can potentially accumulate significant wealth by age 55.

    Leveraging the Power of Compounding
    Compounding is the magic ingredient that allows investments to grow exponentially over time. By starting early and investing consistently, you harness the full potential of compounding, enabling your investments to generate returns on both the principal amount and accumulated earnings.

    Setting Realistic Expectations
    While aiming for a ?5 crore corpus is ambitious, it's essential to set realistic expectations based on your current income and investment capacity. Consider factors such as inflation, market volatility, and risk tolerance when formulating your investment strategy.

    Allocating Monthly Investment Amount
    Given your monthly salary of ?40,000, allocating ?15,000 towards SIP investments aligns with the 151530 rule. This ensures a balanced approach to saving and investing, allowing you to meet your financial goals while maintaining a comfortable lifestyle.

    Choosing Suitable Mutual Funds
    When selecting mutual funds for your SIP, prioritize diversified equity funds with a proven track record of consistent performance and adherence to investment objectives. Avoid the temptation to chase high-risk investments and focus on funds that offer a blend of growth potential and risk mitigation.

    Embracing Long-Term Vision
    Investing for the long term requires patience, discipline, and a steadfast commitment to your financial goals. Stay focused on your objectives and resist the urge to make impulsive investment decisions based on short-term market fluctuations.

    Monitoring and Reviewing
    Regularly monitor the performance of your SIP investments and review your portfolio periodically to ensure alignment with your financial goals and risk tolerance. Adjust your investment strategy as needed based on changing market conditions and personal circumstances.

    Conclusion
    In conclusion, embarking on a SIP investment journey at a young age lays the foundation for long-term wealth creation and financial security. By adhering to the 15*15*30 rule, harnessing the power of compounding, and making informed investment decisions, you can work towards achieving your target corpus of ?5 crore by age 55.

    Best Regards,

    K. Ramalingam, MBA, CFP,

    Chief Financial Planner,

    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2756 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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    Money
    I'm 34 years now,I m earning 15000 per month,I want open SIP how can I start, with how much monthly payment, long term 15 years I can
    Ans: I appreciate your commitment to starting a systematic investment plan (SIP) despite your current income level. SIPs offer an accessible and disciplined approach to wealth creation, and I'm here to guide you through the process.

    Assessing Your Financial Situation
    Before starting a SIP, it's essential to evaluate your current financial situation, including your income, expenses, and financial goals. With a monthly income of ?15,000, it's commendable that you're prioritizing long-term wealth creation.

    Determining Monthly Investment Amount
    While the ideal SIP amount varies based on individual circumstances, a general guideline is to allocate a reasonable portion of your monthly income towards investments. Considering your income level, start with an affordable SIP amount that you can consistently maintain over the long term.

    Setting Realistic Expectations
    Given your income level, it's crucial to set realistic expectations regarding the SIP amount and the expected growth of your investment portfolio. While SIPs offer the potential for wealth accumulation over time, it's essential to understand that investment returns may fluctuate based on market conditions.

    Planning for Long-Term Goals
    With a long-term investment horizon of 15 years, you have the advantage of harnessing the power of compounding to grow your wealth steadily. Focus on selecting mutual funds with proven track records of consistent performance and adherence to investment objectives.

    Choosing Suitable Mutual Funds
    When selecting mutual funds for your SIP, prioritize diversified equity funds that offer exposure to a broad spectrum of stocks across various sectors and market capitalizations. Avoid high-risk investment options and focus on funds that align with your risk tolerance and investment horizon.

    Leveraging the Benefits of Active Management
    While index funds may seem appealing due to their lower fees, they lack the potential for outperformance seen in actively managed funds. Actively managed funds, overseen by experienced fund managers, have the flexibility to capitalize on market opportunities and navigate market volatility effectively.

    Reviewing and Adjusting
    Regularly review your SIP investments and adjust your portfolio as needed to stay aligned with your financial goals and risk tolerance. Monitor the performance of your mutual funds and make informed decisions based on changing market conditions and personal circumstances.

    Conclusion
    In conclusion, starting a SIP is a prudent step towards achieving your long-term financial goals. By allocating a portion of your monthly income towards investments and selecting suitable mutual funds, you can lay the foundation for long-term wealth creation and financial security.

    Best Regards,

    K. Ramalingam, MBA, CFP,

    Chief Financial Planner,

    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2756 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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    Hello Sir im turning 36 this Dec...Im not very old in MF investment however looking forward to being consistant...I want to build up a corpas of 50 lakh by age of 40..my invest as per below... Quant/kotak/axis small cap direct growth- 10K/month(9 month old) parag parikh ELSS tax saver- 2K/month(12 month old) mirae asset ELSS tax saver-1.5K/month(12 month old) quant ELSS tax saver-3K/month(16 month old) Kotak ELSS tax saver-2K/month(16 month old) SBI PSU direct plan-3K/month( 1 month) Aditya birla sunlife PSU equity fund- 5K/month(1 month) need your expertise if I need to change funds...these are combined investment by me & my wife..TAX saver are required to avoid tax liability under 80C...
    Ans: Congratulations on your commitment to building wealth through mutual fund investments. Your proactive approach to financial planning is commendable, and I'm here to provide guidance on optimizing your portfolio to achieve your goal of accumulating ?50 lakh by age 40.

    Understanding Your Investment Portfolio
    Your current portfolio reflects a diversified mix of mutual funds, including small-cap funds, ELSS tax savers, and sector-specific funds. It's evident that you've prioritized tax planning while also seeking growth opportunities through equity investments.

    Evaluating Fund Selections
    While your fund selections demonstrate a thoughtful approach, it's essential to periodically review and assess their performance and suitability for your investment objectives. Consider factors such as fund performance, risk-adjusted returns, expense ratios, and fund manager expertise.

    Assessing Small-Cap Funds
    Investing in small-cap funds can offer significant growth potential over the long term but comes with higher volatility and risk. Given the aggressive nature of small-cap investments, ensure they align with your risk tolerance and investment horizon.

    Reviewing ELSS Tax Savers
    ELSS tax saver funds serve dual purposes of tax savings and wealth creation. However, it's crucial to diversify across multiple ELSS funds to mitigate concentration risk. Evaluate each fund's performance and consistency to ensure they contribute effectively to your portfolio's growth.

    Monitoring Sector-Specific Funds
    Sector-specific funds, such as PSU equity funds, provide exposure to specific industries or sectors. While these funds can outperform broader market indices during favorable market conditions, they also carry sector-specific risks. Monitor their performance closely and consider diversifying across sectors to reduce concentration risk.

    Consolidating and Streamlining
    Consider consolidating your mutual fund holdings to streamline your portfolio and minimize administrative complexities. Focus on high-quality funds with proven track records of consistent performance and adherence to investment objectives.

    Rebalancing Your Portfolio
    Regularly rebalance your portfolio to maintain the desired asset allocation and risk-return profile. Reallocate investments based on changing market conditions, individual fund performance, and evolving financial goals.

    Conclusion
    In conclusion, optimizing your mutual fund portfolio requires a disciplined approach to fund selection, monitoring, and rebalancing. By periodically reviewing your investments and making informed decisions, you can enhance the growth potential of your portfolio and work towards achieving your financial objectives.

    Best Regards,

    K. Ramalingam, MBA, CFP,

    Chief Financial Planner,

    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2756 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

    Asked by Anonymous - May 11, 2024Hindi
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    I wish to invest 30K per month via SIP IN MUTUAL Funds Can you kindly suggest some funds. My horizon is apund 5-8 yrs
    Ans: Thank you for entrusting me with the responsibility of guiding your investment journey. Investing through a systematic investment plan (SIP) in mutual funds is an excellent way to achieve your financial goals. Let's explore suitable funds for your investment horizon of 5-8 years.

    Understanding Your Investment Horizon
    With a horizon of 5-8 years, you have the advantage of pursuing a balanced investment strategy that combines growth potential with risk mitigation. This timeframe allows for exposure to equity-oriented funds while maintaining a prudent approach to risk management.

    Assessing Fund Categories
    Given your investment horizon, a blend of equity and debt funds is advisable to strike the right balance between growth and stability. Equity funds offer the potential for higher returns over the long term, while debt funds provide stability and income generation.

    Selecting Equity Funds
    When selecting equity funds, consider diversified equity mutual funds that invest across various sectors and market capitalizations. These funds offer exposure to a wide range of stocks, reducing concentration risk and enhancing diversification. Additionally, thematic or sectoral funds may be considered for tactical allocation but should be approached with caution due to their higher risk profile.

    Evaluating Debt Funds
    Incorporating debt funds into your portfolio can help mitigate volatility and provide stability during market downturns. Opt for high-quality debt funds with a focus on safety and liquidity. Short to medium-term debt funds, such as liquid funds or short-term bond funds, can be suitable for your investment horizon.

    Emphasizing Consistency and Performance
    When evaluating mutual funds, prioritize consistency and long-term performance over short-term fluctuations. Look for funds with a track record of delivering competitive returns relative to their benchmark indices and peers. Additionally, consider factors such as fund manager expertise, investment philosophy, and risk management practices.

    Monitoring and Reviewing Your Portfolio
    Regular monitoring and review of your mutual fund portfolio are essential to ensure alignment with your financial goals and risk tolerance. As your circumstances evolve, adjustments may be necessary to optimize your portfolio's performance and mitigate potential risks.

    Conclusion
    In conclusion, investing through SIPs in mutual funds offers a disciplined and systematic approach to wealth creation over the long term. By diversifying across equity and debt funds and focusing on consistency and performance, you can build a resilient portfolio that is well-positioned to achieve your financial objectives.

    Best Regards,

    K. Ramalingam, MBA, CFP,

    Chief Financial Planner,

    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2756 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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    I am 39 year old and spouse is 35 also working New to investment expect few ploicie advice some investment plan for kids educational and retirement plans Thank you
    Ans: Congratulations on taking the first step towards securing your family's financial future. As a Certified Financial Planner, I understand the importance of creating a tailored investment plan that aligns with your goals and aspirations. Let's delve into crafting a comprehensive financial roadmap for you and your loved ones.

    Understanding Your Financial Goals
    Before diving into specific investment strategies, it's crucial to understand your unique financial goals and aspirations. Whether it's planning for your children's education or securing a comfortable retirement, each objective requires a customized approach.

    Planning for Your Children's Education
    Investing in your children's education is a priority for most parents. To ensure you're adequately prepared, consider setting up a systematic investment plan (SIP) in diversified equity mutual funds. These funds offer the potential for higher returns over the long term, helping you build a substantial corpus for your children's future education expenses.

    Securing Your Retirement
    As you plan for retirement, it's essential to adopt a diversified investment approach that balances risk and return. While direct equity investments can offer lucrative returns, they come with higher volatility and require active management. Alternatively, opting for professionally managed mutual funds through a Certified Financial Planner can provide you with access to a diversified portfolio tailored to your risk tolerance and retirement goals.

    Evaluating Investment Options
    When exploring investment avenues, it's crucial to weigh the pros and cons of each option. While index funds may seem appealing due to their lower fees, they lack the potential for outperformance seen in actively managed funds. Actively managed funds, on the other hand, offer the expertise of fund managers who actively seek opportunities to maximize returns and mitigate risks.

    Navigating the Investment Landscape
    Navigating the investment landscape can be daunting, especially for newcomers. By partnering with a Certified Financial Planner, you gain access to personalized guidance and expertise tailored to your financial needs. A CFP can help you make informed investment decisions, optimize your portfolio, and stay on track towards achieving your long-term financial objectives.

    Conclusion
    In summary, crafting a comprehensive financial plan requires a thorough understanding of your goals, risk tolerance, and investment options. By leveraging the expertise of a Certified Financial Planner and adopting a diversified investment approach, you can build a secure financial future for you and your family.

    Best Regards,

    K. Ramalingam, MBA, CFP,

    Chief Financial Planner,

    www.holisticinvestment.in

    ...Read more

    Archana

    Archana Deshpande  |41 Answers  |Ask -

    Image Coach, Soft Skills Trainer - Answered on May 20, 2024

    Asked by Anonymous - Apr 29, 2024Hindi
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    Career
    I am software engineer aged 30 years. My manager is a sadist doesn't understand anything technically and always pester us on non essential things that doesn't matter at all in the work and deliverables. We are getting frustrated most of the times. Always blames others for his/her own mistakes. Always divides and rule the team. Always wants to go out and party even if there is lot of work and end of the day, asks for the work status. I do not want to leave the company but doesn't bare this manager at all. Please suggest what to do. I am at my low.
    Ans: Hello!!
    Most of us have had managers at some point in our careers, while some are helpful, compassionate, and capable, others may not meet these standards, clearly yours is not meeting the standards!! Dealing with challenging managers can be, well, a challenge. Be courageous and face the challenge, you are not a newbie you are a strong 30 yr old man.
    When I worked in the corporate world, what I heard most of the times was that people don't leave a company, they leave bad bosses. Throughout your question you have always mentioned a "we", that means this bad boss is affecting many more people.
    You have these options-
    1. you all can send a signed petition about this boss, post this to the HR
    2. nobody has to suffer at work, there will always be a way out, look for it
    3. you be sincere in your work and deliver, develop a thick skin and don't allow this boss to affect you
    3.if nothing works then quit, do whatever it takes to be peaceful at work

    I am sure a smart 30 yr old software engineer like you "can" and "will" find a solution to this problem by choosing your options wisely and looking into what is important for you!

    All the best!!

    ...Read more

    DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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